407 Millrace Dr, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 407 Millrace Dr, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,976 sqft · built 1992
Lot Size	0.394 acres (17,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Aug 2013)
Tax Bill	$3,995 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-841.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-841.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,976 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,199 sqft (0.394 acres)
Terrain	Combination
Garage Type	Attached
Garage Area	462 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	407 MILLRACE DR
City	COLD SPRING
State	KY
Zip	41076-2184
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 77 SEC 5 STURBRIDGE SUBD
Legal Subdivision	STURBRIDGE
Legal Phase	5
Legal Lot Number	77
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4004
Census Tract	53100

Owner

Source: Campbell County records, as of March 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	407 MILLRACE DR, COLD SPRING, KY 41076-2184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2013 · Amount on Record
Deed Sale	Aug 15, 2013 · Amount on Record
Prior Sale	Apr 12, 1999 · Amount on Record
Deed Document Number	20138 15 13 019 002
Deed Book / Page	306 / 726
Prior Transfer Date	Aug 4, 2006
Prior Transfer Doc	0001900232
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	407 MILLRACE DR, COLD SPRING, KY 41076-2184
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005102702
Date	Dec 26, 2019
Book Page	M993/074
Instrument	5102702

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of March 9, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Cold Spring City
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,995.00 (+0.99%)	$329,700 (-) Land $50,000 Building $279,700	$329,700 (-) Land $50,000 Building $279,700
2023	$3,956.00 (+19.48%)	$329,700 (+24.45%) Land $50,000 Building $279,700	$329,700 (+24.45%) Land $50,000 Building $279,700
2022	$3,311.00	$264,920 Land $24,000 Building $240,920	$264,920 Land $24,000 Building $240,920

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 24, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20